What Cashare does

Cashare AG, founded in January 2008 and headquartered in Hünenberg (Canton Zug, Switzerland), operates Switzerland's first and largest crowdlending marketplace, directly connecting individual borrowers, SMEs, and property buyers with private and institutional investors. The platform supports personal loans (CHF 1,000–250,000), SME loans (up to CHF 5,000,000), and mortgage/hypothecary products (minimum CHF 250,000) at effective interest rates of 4.4–14.9%, with a proprietary Cashare Rating system (A–F) underwriting credit via big-data and machine-learning models trained on 18+ years of performance data integrated with ZEK, IKO, CRIF, and Dun & Bradstreet. Cashare monetizes through transaction-based platform fees (0.75–2.00% on loan amounts for borrowers and 0.75% p.a. on outstanding balances for investors), with ancillary fees for early repayment, valuations, reminders, and debt collection; distribution combines a self-serve D2C platform with a B2B referral agent network and dedicated institutional sales, and the company is regulated as a licensed lender under Swiss KKG, an SRO Polyreg member, and an approved AML financial intermediary. Over its history Cashare has served more than 60,000 customers and reviewed CHF 2.5 billion in credit applications.

Name

Cashare

Legal name

Cashare AG

Website

https://cashare.ch

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Cashare is Switzerland's longest-running crowdlending marketplace, connecting individual and SME borrowers with private and institutional investors via a regulated digital platform that offers personal loans, SME credit, and mortgages priced through a proprietary AI-driven rating system.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Lending Marketplace

NAICS

Other Investment Pools and Funds (5259)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)

Keywords

• Peer-to-peer lending
• Crowdlending marketplace
• Digital consumer credit
• SME loan financing
• Private debt investing

Headquarters

HQ city

Hünenberg

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Borrower Platform Fees: One-time platform fees deducted at loan disbursement. Private installment loans: 0.75% p.a. on received loan amount (minimum CHF 75). Private bullet loans: 1.50% p.a. (minimum CHF 500). SME installment loans: 0.75% p.a. (minimum CHF 500). SME bullet loans: 2.00% p.a. (minimum CHF 500).
2. Investor Platform Fees: Annual platform fee of 0.75% p.a. on the outstanding loan amount, invoiced at contract closing. Custody fee for mortgage-backed loans: 0.15% p.a.
3. Ancillary Fees: Fees from early repayments (CHF 150), property valuations (from CHF 1,000), reminder fees, debt collection processing, and address research (CHF 25).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Cashare operates Switzerland's largest peer-to-peer crowdlending marketplace, connecting private individuals and SMEs seeking credit with private and institutional investors seeking yield. It originates digital personal loans (CHF 1,000-250,000), SME loans (up to CHF 5 million), and mortgage-backed loans, earning transaction-based platform fees from both borrowers and investors and offering ancillary services such as Auto-Invest and a Secondary Market.

Product overview

Cashare operates a comprehensive marketplace lending (crowdlending) platform connecting borrowers with investors. The platform offers three core lending products: Personal Loans (Privatkredit, CHF 1,000-250,000), SME Loans (KMU Kredit, up to CHF 5,000,000), and Mortgages (Hypothek, from CHF 250,000). On the investment side, Cashare serves both Private Investors (minimum CHF 100, 5-8% returns) and Institutional Investors (Direct Investment, Managed Account, White-Label). Key features include Auto-Invest for automated portfolio building, a Secondary Market for early exit, and API-based White-Label solutions for partners. Founded in 2008 as Switzerland's first crowdlending platform, Cashare is licensed by the Canton of Zug and regulated by SRO Polyreg.

Differentiator

Problem solved

Functional benefit

Products and services

• Privatkredit (Personal Loan) Flexible personal loans for private individuals ranging from CHF 1,000 to CHF 500,000 with terms of 1-60 months, effective annual rates from 4.4% to 9.9%, fully digital online processing, and 24-hour decisions. Targeted at Swiss and Liechtenstein residents seeking a transparent bank-free credit alternative for purposes such as holidays, vehicles, education, renovation, and refinancing.
• KMU Kredit (SME Loan) Business financing for small and medium-sized enterprises in Switzerland ranging from CHF 1,000 to CHF 5,000,000 (unsecured up to CHF 1,000,000), terms of 1-60 months, effective rates from 5.9% to 14.9% p.a. Designed for working capital, expansion, and bridge financing needs that fall outside traditional bank lending.
• Hypothek (Mortgage) Real estate financing including Standard Mortgage (up to 80% LTV, flexible terms), Mezzanine Financing (subordinated structures for larger projects), Renovation Credit, and SME Mortgage. Minimum mortgage CHF 250,000, estimated rates 1.45%-1.95% for standard mortgages, financial burden maximum 40% of gross income. Targeted at property buyers and real estate investors seeking competitive rates via direct investor funding.
• Private Anleger (Private Investor Platform) Investment platform enabling Swiss and Liechtenstein private investors to invest in verified loan projects on the Cashare marketplace, with average annual returns of 5-8%, minimum investment of CHF 100 per project, monthly cash flows, and diversification across borrowers. Includes the Auto-Invest automated portfolio builder (binding bids).
• Institutionelle Anleger (Institutional Investor Solutions) Professional investment solutions for institutional investors including funds, pension funds, and family offices. Three solutions offered: Direct Investment (individual project selection), Managed Account (professional management), and a White-Label solution with API integration. Yields 5.9%-14.9% p.a., with institutional-grade reporting and risk management.
• White-Label Private Debt Solution Bespoke Private Debt offering allowing partners to offer Cashare's lending products under their own brand with full branding, API integration, and dedicated support. Targeted at partners such as banks, brokers, or fintech firms who wish to distribute private credit under their own identity.

Quantifiable outcome

• 60,000+ customers served
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Deutsche Börse Venture NetworkminorGTM or Marketing Partner · 1 January 2008Cashare is a member of Deutsche Börse Venture Network, providing visibility and networking opportunities within the startup and FinTech ecosystem.
• PricewaterhouseCoopers AG (PwC)coreOthers · 1 January 2008Annual audits conducted by PricewaterhouseCoopers AG, Zurich, providing independent verification of financial statements and compliance processes.
• SRO PolyregcoreOthers · 1 January 2008Cashare is a member of SRO Polyreg, a self-regulatory organization recognized by FINMA, and an approved financial intermediary under Article 2, Paragraph 3ff of the Swiss Anti-Money Laundering Act.
• AXAminorOthersAXA is the insurance partner providing Payment Protection Insurance (PPI) for borrowers, covering monthly loan installments in case of death, permanent disability, or involuntary unemployment.
• pro aurum AGminorOtherspro aurum AG provides cryptocurrency custody services for Lombard loans where selected cryptocurrencies are accepted as collateral.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Zopa: UK digital lender and one of the original global P2P platforms, now a chartered bank offering consumer loans, savings, and credit cards. Comparable to Cashare in consumer credit origination, investor yield products, and migration toward institutional funding.
• LendingClub: US-headquartered P2P/crowdlending marketplace originating consumer loans and matching retail/institutional investors with borrowers. Operates an analogous marketplace model with similar fee structure and investor returns as Cashare.
• October (formerly Lendix): European SME lending marketplace operating in France, Spain, Italy, Germany, and the Netherlands. Comparable marketplace lending model targeting SME borrowers with institutional and retail funding.
• Funding Circle: UK-listed SME-focused crowdlending platform connecting small businesses with institutional and retail investors. Directly comparable in SME loan origination and marketplace investment model.
• Bondora: Estonian-headquartered European P2P lending platform offering consumer loans across multiple European countries with retail investor returns. Comparable in cross-border marketplace lending and Go & Grow-style automated investment products.
• auxmoney: Germany's largest P2P consumer and SME lending marketplace. Closely comparable business model serving the DACH region with similar borrower/investor matching mechanics.
• Creditgate24: Swiss crowdlending/mortgage platform connecting borrowers with investors, operating in the same Swiss regulatory environment as Cashare. Closest direct domestic competitor with overlapping mortgage and consumer loan offerings.

Broad incumbents

• Klarna: Swedish fintech offering consumer credit, pay-later, and banking products across Europe. Not a direct marketplace lender, but competes with Cashare for consumer credit share and represents broader digital lending competition in the DACH region.
• Hypothekarbank Lenzburg: Swiss regional bank offering digital mortgage and SME lending products through its Hypothekarbank Lenzburg and Finstar platforms. Represents incumbent Swiss competition for Cashare's mortgage and SME origination.

Emerging players

• Younited Credit: French-headquartered European consumer credit platform with embedded B2B2C distribution via bank/retail partners. Comparable to Cashare's white-label strategy and its mix of institutional funding with consumer loan origination.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/cashare
• Facebookfacebook.com/cashare
• LinkedInlinkedin.com/company/2402901

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cashare